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Rates

 Saving Rates

Effective March 15, 2017

**APY = Annual Percentage Yield
Account Type Minimum Balance to Earn Dividends Rate APY**
Savings & Special Savings  $1,000.00 & OVER  0.08%  0.08%
Checking N/A  0.00% 0.00%
Money Market – Tier 1 $2,500.00 – $49,999.99 0.11%  0.11%
Money Market – Tier 2  $50,000 & OVER  0.20%  0.20%
Christmas Club N/A  0.08%  0.08%
Restricted Christmas Club N/A 0.10% 0.10%
Vacation Club N/A 0.10% 0.10%

Share Certificate/IRA Rates

Effective December 12, 2017

**APY = Annual Percentage Yield
Term Minimum Balance Rate APY**
3 Month Cert. $1,000.00 0.13% 0.13%
6 Month Cert. $1,000.00 0.23% 0.23%
12 Month Cert. $1,000.00 0.36% 0.36%
24 Month Cert. $1,000.00 0.58% 0.58%
36 Month Cert. $1,000.00  0.81% 0.81%

Personal/Secured Loan Rates

Effective September 8, 2015

*APR = Annual Percentage Rate
Term APR*
Share Secured Personal (Up to 95% of available funds) Call for details 1.90%
Share Certificate Secured Personal (Up to 95% of available funds) Call for details 1.90%

Personal/Unsecured Loan Rates

Effective September 8, 2015

*APR = Annual Percentage Rate
Term APR*
Closed End Personal Loan Call for details 9.90%
Bill Consolidation Call for details 10.90%
PayDay Assistance (PAL) 3 Month term. $20 application fee. 28.00%

MasterCard® Rates

Effective September 8, 2015

*APR = Annual Percentage Rate
MasterCard® Credit Limit APR* Variable APR*
Platinum $250 to $15,000 N/A 7.50%
Regular $250 to $15,000 15.96% N/A
Share Secured $250 to $2,500 18.00% N/A

New & Used Auto, Motorcycle, ATV and RV Loan Rates

Effective February 19, 2016

*APR = Annual Percentage Rate
Product As Low As APR*
New/Used Auto
Models 2015 – 2017
Terms up to 6 years, Call for Details
1.90%
Used/Older Auto
Models 2010 – 2014
Terms up to 4 years, Call for Details
4.90%
New Motorcycle
(2015, 2016, 2017)
Terms up to 6 years, Call for Details
8.00%
Used Motorcycle
(2014, 2015)
Terms up to 6 years, Call for Details
8.00%
New ATV’s (All Terrain Vehicle) and Personal Watercrafts
(Current year only)
Terms up to 4 years, Call for Details
8.00%
New RV’s (Motor Homes)
(Current year only)
Terms up to 10 years, Call for Details
7.25%

Mortgage Rates

Effective June 1, 2017
11th District Index Rate as of 06/01/2017 is 0.645%

Product Rate APR*
Home Equity Line of Credit (HELOC)**
“VARIABLE RATE”
5.000% 5.000%
30 Year Conforming Fixed First Mortgage 4.125% 4.217%
15 Year Conforming Fixed First Mortgage 3.500% 3.652%
15 Year Second Trust Deed***
“VARIABLE RATE”
5.750% 5.814%
*APR = Annual Percentage Rate. Based on loan amount of $200,000.  **3% over 11th District Cost of Funds Index
***5% over 11th District cost of Funds Index

All rates subject to change without notice.

Rancho Federal Credit Union uses RISK-BASED PRICING. This loan interest rate structure applies to all new and used vehicle and unsecured loans, as well as our Home Equity Line-of-Credit program. Risk-Based Pricing is a system of pricing loans so that the interest rate charged to a member is based on the credit risk they represent. We are able to offer low-rate pricing to our lower risk members, and at the same time allow our higher risk members to obtain credit at a higher rate. The loan rate pricing structure is determined by each members own credit score as defined on their credit report issued by Experian. The Risk Based model used by this credit union is “FICO.” To receive a free copy of your credit report contact Experian at the address below.

Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
1.888.397.3742
www.experian.com/reportaccess

Contact Us

Click or call (562) 803-6401 or (866) 855-9050 for a representative.